RBI Rate Cut ke Baad bhi EMI Kam Nahi? 3 Fixes (Repo vs MCLR) #oolka #creditworthy #reporate

RBI ne 3 baar rate cut kiya, phir bhi aapka home loan rate/EMI neeche nahi aaya? Ye 3 steps follow karo:

Fixed vs Floating check karo

Fixed = rate same (reset/expiry tak), cuts ka benefit late ya nahi.

Floating = policy change ka pass-through aata rehta hai. High fixed ho to floating pe convert karao.

Benchmark identify karo

Repo-linked (RLLR) → cuts ka benefit fast.

MCLR / Base Rate / BPLR → adjustment slow, bank cycle pe; 6–12 months lag sakte hain.

Repo-linked nahi? Switch karao

Bank ko application dekar Repo Rate se link karao.

Typical conversion fee: ~₹5–6k; long term mein laakhon ki bachat possible.

💡 Tip: Statement/loan agreement me ROI/EIR + benchmark mention hota hai—verify karo. Fixed → Floating/Benchmark change same bank me fee se hota hai; balance transfer karte ho to processing/other charges check karo.

Aapka current rate + benchmark kya hai? Comments me likho; hum savings estimate kar denge.
Practical money math ke liye subscribe karo.

#HomeLoan #RepoRate #RLLR #MCLR #BaseRate #BPLR #RBI #InterestRate #EMI #FloatingRate #FixedRate #LoanSavings #PersonalFinanceIndia #FinancialLiteracy #Oolka
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